Fake Injuries Claim By Other Party After Car Accident.. HELP

Posted in Student Car Insurance

Yesterday I received a letter from my auto insurance company about an accident I had more than 15 months ago. What happen during the accident was that I was making a left turn as the light has turned red for a split second, but the other person from the opposite direction sped up trying to run through the light and our cars crashed heavily. My car was pushed back for about 15ft while his car stayed at the same place. However, after the collision, we got out of the car and nobody was injured from either sides. He has another passenger with him while I was driving alone. The police and paramedic came and asked if anybody was injured, but there was no injuries so the paramedic left right away. In the police report that I received a few weeks later, there was no injuries listed in it.

In the letter they said that the other party is demanding a huge amount of money for medical bills and injuries claims. Here is what they are demanding: “Anthony XXXX demands $15,500 based on medical bills of $5738.30 and injuries include: Chest wall contusion, cervical/thoracic/lumbar sprain/strain, muscle spasm and Cervicalgia. The demand for Roxanna XXXX is $100,000 based on bills of $33,830.80 and injuries include: Lordosis, cervical/thoracic/lumbar sprain/strain, right hip and thigh sprain/strain, chest wall/rib contusion.”

So what am I supposed to do with this claim? My insurance policy only has a limit of $30K. Will I be sued for the remaining amount? I’m a poor college student with no income or properties so what is going to happen if I get sued? I’ve been having a headache since yesterday worrying about this matter and couldn’t concentrate on anything else or even stay focus during class. Please give me some advice on this matter as this was the first accident I ever had and don’t have much experience on how it will be settled. Thanks for your time.
This is just what I received in the letter from my insurance company. The case is still not settled. The demands listed above are what they are asking my insurance to pay. They still have yet to directly sue me. Right now I’m still keeping contact with my insurance adjuster and he said they will do an investigation of the injuries claim.

There are 2 Answers for "Fake Injuries Claim By Other Party After Car Accident.. HELP"

    1. car guy says:

      this is what insurance is for, since there was an accident, . this is part of their job, that’s what they were paid for. by you. second what did the police report say about the accident? and what statements did they make then, and what statements did they make now, keep in mind, this is where many people screw up; RELAX YOU HAVE NOT BEEN ORDERED TO PAY ANYTHING, AND IF YOU HAVE NO REAL PROPERTY, (house or land) they cannot get anything from you. this is a new and frightening experience, hang in there things will get worked out it just takes time. your life does not stop so you must keep up your studies, take care of yourself and have faith in you, that no matter what you will make it through this, with some lessons learned please get a good night sleep, eat well and realize there are people helping you as we speak, hope this helps

    2. Mushu says:

      What was the final liability decision? If you were deemed at fault (which it seems you were), unfortunately you will be held responsible for anything over the limits of your policy. Contact your insurance company.